The Arizona Revised Statutes have been updated to include the revised sections from the 57th Legislature, 2nd Regular Session. Please note that the next update of this compilation will not take place until after the conclusion of the 58th Legislature, 1st Regular Session, which convenes in January 2027.
This online version of the Arizona Revised Statutes is primarily maintained for legislative drafting purposes and reflects the version of law that is effective on January 1st of the year following the most recent legislative session. The official version of the Arizona Revised Statutes is published by Thomson Reuters.
20-443.03. Certificates of insurance; notice; civil penalty; rules; applicability; definition
A. A certificate of insurance that is prepared or issued by an insurer, an insurance producer or a representative of an insurer or an insurance producer is not an insurance policy, does not amend, extend or alter the coverage that is provided by an insurance policy and does not confer any new or additional rights beyond those expressly stated in the insurance policy.
B. A person may not prepare, issue, request or require a certificate of insurance that:
1. Contains false or misleading information about the insurance policy.
2. Alters, amends or extends coverage that is provided for in the insurance policy.
3. Claims that the insurance policy complies with the insurance or indemnification requirements of a contract.
C. A person, other than the policyholder is entitled to notice of cancellation, nonrenewal or a material change in the terms of an insurance policy only if the policy or an endorsement to the policy affords such notice rights to the person.
D. The director may investigate any violation of this section, and the director may take one or both of the following actions:
1. Issue an order that requires the person to cease and desist from the actions that constitute the violation.
2. Assess a civil penalty of not more than $1,000 per violation.
E. Subsection D of this section does not limit the authority of the director to investigate, enforce or issue civil penalties pursuant to any other applicable law.
F. The director may adopt rules to implement this section.
G. This section applies to any certificate of insurance that is issued in connection with property and casualty risks located in this state without regard to the location of the policyholder, insurer or insurance producer or any person who requests or requires a certificate of insurance to be issued.
H. A certificate of insurance or any other document or correspondence that is prepared, issued, requested or required in violation of this section is void.
I. For the purposes of this section, "certificate of insurance":
1. Means a document, form, template, submission, questionnaire or other instrument regardless of title that includes a description, summary, interpretation or evidence of property or casualty insurance coverage and that is prepared or issued by an insurer, an insurance producer or a representative of an insurer or producer.
2. Does not include any of the following:
(a) An insurance policy.
(b) An insurance binder.
(c) A policy endorsement.
(d) An automobile insurance identification or information card.